Voodoo you have been up too long and way past your melty warning beeper, by the look of things. Go get some sleep like a responsible person, and don't worry about paying those bills on time. Or hell, not at all, since Obama won. Amirite?

Not all collection notices are equal. I changed car insurance companies. After I cancelled they decided to bill me for forty bucks. It's bull**** but the ****s still sent me a collection notice. I intend to verbally rape them soon, when I feel like it. That notice will go away.

I was just enjoying the meltdown.
I actually feel bad for him and the others that are so emotionally invested in this. They bought all the hype both pro and con and are going to be very fragile going forward with no on left to blame but themselves.

The least well adjusted troll is making judgments on mental health now. And calling meltdowns that don't exist. Never change, Moe. And I expect that Twilight review. I'm on the fence about sparkly vampires.

I love how economics is a-moral at the corporate level but a moral imperative at the personal level.

I made some serious financial mistakes when I was young - I really overextended myself trying to care for a crazy ex (literally crazy, like institutionally crazy) that screwed me over pretty badly. It ruined my credit before I really got started as an adult.

I've repaired it - in huge part by choosing to ignore a lot of that debt and wait the seven year period for it to drop off my record. That decision, in combination with some smart acquisition of debt that I now keep stellar, now has me owning my own house among other things.

I feel absolutely no guilt or compunction about the companies I ultimately did not pay. Nor should I. I run my finances no differently then a business would - maximizing my profits and minimizing my losses any way that's legal.

It's ridiculous to put burdens on the private citizen that we don't place on businesses. Capitalism is a two way street.

I love how economics is a-moral at the corporate level but a moral imperative at the personal level.

I made some serious financial mistakes when I was young - I really overextended myself trying to care for a crazy ex (literally crazy, like institutionally crazy) that screwed me over pretty badly. It ruined my credit before I really got started as an adult.

I've repaired it - in huge part by choosing to ignore a lot of that debt and wait the seven year period for it to drop off my record. That decision, in combination with some smart acquisition of debt that I now keep stellar, now has me owning my own house among other things.

I feel absolutely no guilt or compunction about the companies I ultimately did not pay. Nor should I. I run my finances no differently then a business would - maximizing my profits and minimizing my losses any way that's legal.

It's ridiculous to put burdens on the private citizen that we don't place on businesses. Capitalism is a two way street.

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What are you doing man? You're totally un-outposting my outposting post. We've talked about this in the past, because I also got into a financial hole over a psycho ex (who always threatened to strip if I stopped paying her bills). I was there too, but I still felt embarrassed.

My actual thought when sitting across from someone registering to vote, who only has a collection notice to verify their identity, is that we really don't have a grasp on how bad things are for folks barely getting by right now. There was even an air of desperation, I'm sure many of them receive food stamps/welfare/SSD/etc... and if Obama lost, what happens to their check.

The right can mock those people all they want, but for some time to come they will decide elections. Those college kids who can't find work, voted for Obama. Those millions of new food stamp recipients, voted for Obama.

I always did feel embarrassed - no one likes being reminded they are deadbeat - but ultimately you've got to make the right decision for you. And sometimes that means stiffing someone. It's not pretty, but it's part of economics.

The diff, I think, is that the two of us learned from our mistakes - some people never do. But imo they end up coming out on the losing end of things in the long run. I had to do some really crappy things and deal with some really shady businesses to repair my credit. Things I never want to do again. Some people are stuck that way permanently - which is what you are talking about. Imo, that's punishment enough. Scorn really isn't necessary. They are dealing with their own karma.

I love how economics is a-moral at the corporate level but a moral imperative at the personal level.

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There is no paradox or conflict there, for me. But you know that after this long. I've ranted consistently against corporate welfare and bailing out corporations just as hard as I rant against individuals who make stupid decisions and expect taxpayers to bail them out.

For people who really hit trouble we have bankruptcy, not debtors' prison. For companies, we have the same thing. We don't need to be subsidizing stupid, or bailing out stupid. Bankruptcy IS society's way of allowing someone to come out of their mistakes and move on... with pain. As it should be.

(The only place there's a gap in my armor on that is medical bills due to NECESSARY life-saving or child medical expense. But that's kindof another thread).

You better handle that 41 or you credit won't be 700+ anymore. I had a Doctor take a check and then not credit it. All the righteous indignation in the world didn't erase the collection crap, right or wrong, and it did effect my mortgage rate 5 years later.